Sri Mulyani
IAI Sunan Kalijogo Malang

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Penilaian Kesehatan Bank Syariah dengan Pendekatan Risk Profile, Good Corporate Governance, Earnings dan Capital (Rgec) Sri Mulyani
An-Nisbah: Jurnal Perbankan Syariah Vol. 2 No. 1 (2021): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v2i1.200

Abstract

Tujuan penelitian ini adalah untuk mengetahui tingkat kesehatan bank syariah dengan menggunakan pendekatan Risk Profile, Good Corporate Governance, Earnings dan Capital (RGEC). Jenis penelitian ini adalah penelitian kuantitatif dengan pendekatan deskriptif. Sumber data dalam penelitian ini menggunakan data sekunder yang diperoleh melalui laporan keuangan publikasi bank syariah dari website masing-masing bank syariah, website Bank Indonesia dan website Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan sampel sebanyak 8 Bank Umum Syariah. Teknik pengambilan sampel dalam penelitian ini menggunakan teknik purposive sampling. Temuan dalam penelitian ini menunjukkan bahwa tingkat kesehatan Bank Umum Syariah (BUS) di Indonesia pada aspek Risk Profile seluruh bank syariah mempunyai predikat sehat dan sangat sehat. Pada aspek Good Corporate Governance (GCG) bank syariah mempunyai predikat baik, pada aspek earnings, tingkat kesehatan bank syariah mempunyai predikat sehat dan sangat sehat. Dan pada aspek capital, tingkat kesehatan bank syariah mempunyai predikat sangat sehat.
Analisis Kinerja Maqashid Syariah pada Bank Syari’ah Sri Mulyani
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Al-Iqtishod Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (741.081 KB)

Abstract

The purpose of this study was to determine the performance of Islamic sharia maqashid on Islamic banks which included the first objective maqashid syariah to educate individuals, maqashid syariah the second objective of upholding justice and the third objective maqashid sharia safeguarding welfare. This type of research is quantitative research with a descriptive approach. The source of data in this study uses secondary data obtained through Islamic bank publication financial reports from the websites of each Islamic bank, the website of Bank Indonesia and the website of the Financial Services Authority (OJK). The findings in the study show that the first objective of Maqashid Shari'ah, namely individual education (Tahdhib al fard) on Islamic banks during the 2012-2016 period shows that the ratio of shari'ah bank education and training costs is still less than 5%, which means maqashid shari'ah performance in terms of educating individuals (tahdhib al-fard) it is still not optimal for Islamic banks. Maqashid Syari'ah, the second objective of enforcing justice (Iqamah al 'Adl) on Islamic banks during the 2012-2016 period shows that Islamic banks have optimally had excellent maqashid sharia performance as indicated by the percentage of interest free income from Sharia Commercial Banks. the average is 99%. Whereas Maqashidsyari'ah's third goal of maintaining the benefit (Jalb al Maslahah) of Islamic banks during the period 2012-2016 shows that Islamic banks have not optimally maintained benefits. This is seen from the small percentage of zakat ratio and bank's profit ratio which is less than 5%.